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How does Ontario stack up to the rest of the area, or even California as a whole? What should residents of Ontario expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:
Area | Average Monthly Car Insurance Premium |
|---|---|
| Ontario | $55 |
| CA | $56 |
| United States | $81 |
As you can tell by looking at the chart above, car insurance rates in Ontario are about the same as the rest of California.
Similarly, car insurance rates in Ontario are often favorable when viewed against the rest of the country. It's about $26 cheaper than the national average to insure your vehicle in Ontario.
While these numbers represent the average monthly payments for coverage in Ontario, that doesn't mean it's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
We've analyzed the average rate for Ontario and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $77 |
| 25-34 | $46 |
| 35-44 | $46 |
| 45-54 | $44 |
| 55-64 | $44 |
| 65+ | $44 |
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may rise again in Ontario.
Gender | Average |
|---|---|
| Male | $58 |
| Female | $52 |
Car insurance rates for female drivers are usually cheaper than those for male drivers. This rings true in Ontario, where women pay around $6 less per month than men. As illustrated in the table above, female drivers in the area pay about $52 on average, while male drivers pay around $58 each month.
Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $62 |
| Multiple Accidents | $70 |
| 1 Ticket | $64 |
| Multiple Tickets | $70 |
One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. In Ontario, a driving record with one accident will usually get you a rate around $62 a month. Similarly, drivers with one ticket will typically pay around $64 on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $60 |
| 2-3 Years | $54 |
| 4-5 Years | $57 |
| 6-7 Years | $57 |
| 8-10 Years | $60 |
| 11-14 Years | $56 |
| 15 Years or Older | $52 |
The cheapest vehicles to insure in Ontario are typically SUVs, with each type typically costing about $50 per month.
Truck and van drivers will see rates of about $52, while the rates for car owners average out to about $56 a month.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Ontario, vehicles less than or equal to one-year-old and eight-to-ten years old are the most expensive to insure.
Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $58 |
| Married | $48 |
| Divorced | $46 |
| Widowed | $34 |
Generally, those who have settled down into marriage will pay slightly less to insure their car. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Ontario as well, where the difference is around $10 a month.
Housing Status | Average Monthly Premium |
|---|---|
| Own | $56 |
| Rent | $56 |
| Live with parents | $65 |
Your living situation is another factor that affects your monthly rate. The average rates for both homeowners and renters in Ontario are around $56 per month.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Ontario, car insurance rates went up from 2017-2018, when they reached a high of $59. This trend shifted in 2020, when they began to decrease, and have continued to do so through 2022, when rates hit a low of $50 per month.
There are a lot of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
Number of car accidents
Area crime rates
Amount of off-street parking
Total number of drivers in the region
Community regulations
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer policies in Ontario in no time.
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Ontario or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
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